There are a number of options available for those who work in hazardous occupations and want to provide for their family, protect mortgage payments or bills should an accident happen whilst engaged in hazardous work activities.
Firefighting work spans a number of different activities and each brings a different set of risks. Depending on the nature of the firefighting work and the risks involved certain exclusions or restrictions may apply to certain types of financial protection for firefighters. When you enquire your specialist adviser will discuss the cover options available to you based on your firefighting work activities.
Each enquiry for life insurance for firefighters is individual and we will discuss the risks involved in your lifestyle and firefighting work activities.
Different providers of cover may ask additional questions relating to an enquiry for life insurance for firefighters, examples of some of the questions they may ask are:
• What is your firefighting role?
• What type of firefighting activities do you participate in?
• Do you work at heights and to what height?
• Do you use any dangerous equipment, machinery or chemicals?
• How many hours are you engaged in firefighting work vs office-based hours?
Firefighters may be looking for cover because of the hazardous nature of their activities. We will want to discuss the types of activities you are involved in as part of your enquiry about firefighter life insurance cover.
Whatever your firefighting role please feel free to contact us today to discuss your financial protection needs and the options available to you.
Critical Illness Cover for Firefighters:
Critical illness cover is a way to cover specific illnesses or medical conditions that might disrupt your life, family and finances. Anyone who takes part in firefighting work and enquires about critical illness cover will have their enquiry assessed against the activities they pursue. Cover for different types of firefighting activities will be assessed differently.
Cover for some firefighting activities may be offered at standard rates with no special terms imposed whilst participation in other firefighting activities may result in premium loadings, special terms, restrictions or exclusions. Your occupations specialist at Sports Financial Services will talk you through the options available.
Income Protection for Firefighters:
Another important cover to consider is income protection, particularly if you take part in hazardous activities like firefighting work. Income protection could provide you with peace of mind if you are unable to work due to injury or sickness.
If you have a loan, mortgage, credit cards, regular bills or family financial commitments then you may want to consider what would happen if you were unable to meet the payments because of a loss of income if you are unable to work.
Applications for income protection are dependent on many factors, for example, whether you have previously suffered any injuries as a result of your firefighting worker activities and whether they have caused you to have a significant amount of time off work.
Again, like critical illness cover, participation in some firefighting activities may result in premium loadings, restrictions or exclusions. When you make an enquiry your adviser at Sports Financial Services will discuss your needs and the options available to you.
Get in touch with us today to discuss Life Insurance for Firefighters
Complete our online enquiry form or call one of our hazardous occupation specialists on 0345 565 0935 if you are seeking information or a quote for life insurance for firefighters.